Fees and spreads
This topic currently contains 7 articles.
How to calculate exchange-rate spreads and fees
A step-by-step guide to reference rates, rate markups, fixed charges and percentage fees, focused on comparing the final amount received.
2026-08-08Read more →Reference Rate vs Bank Rate
Learn how provider spreads, fixed fees and processing time change the customer result.
2026-07-31Read more →
How card fees affect USD to TWD conversion
A practical breakdown of reference rates, card-network conversion, foreign transaction fees and posting time for USD/TWD spending.
2026-09-11Read more →
Why USD to CNY reference rates differ from bank quotes
How spreads, fixed fees, card conversion costs and posting time create a difference between USD/CNY reference data and provider quotes.
2026-08-28Read more →
Which date does a card use for a foreign-currency purchase?
Why purchase date, processing date and statement date can differ, and how to reconcile a card transaction with a public reference rate without assuming an exact match.
2026-08-20Read more →
How to compare currency exchange and transfer providers
A reusable checklist for comparing providers by final amount, rate spread, fixed charges, speed, refund terms and transparency.
2026-08-13Read more →
What is dynamic currency conversion (DCC) and which currency should you choose?
Explains the home-currency option shown at overseas terminals and ATMs, the difference between DCC and local-currency billing, and how to decide.
2026-08-11Read more →